A vasectomy is a simple sterilization procedure that can be performed right your doctor's office, so it tends to cost less than other surgeries. Over the long term, a vasectomy may even be less expensive than other birth-control options such as the Pill or IUDs. [Click here to see our cost-comparison chart]
How much does a vasectomy cost?
Without insurance, the cost of a vasectomy typically ranges anywhere from $350 to $4,000, depending on location, surgical technique used, and other variables such as your method of payment and whether a doctor uses income-based sliding scales.
Some physicians bundle the cost of a vasectomy into one overall price, while others list them separately. (Price bundles can include initial consultation, anesthesia, follow-up appointment, and/or semen analysis.) If you're paying out of pocket, be sure to get clear estimates on each of those items, or a list of everything that may or may not be included in the bundled price.
Does insurance cover a vasectomy?
The cost of a vasectomy is covered by most health insurance policies, so contact your insurance company and to discuss your coverage. In such cases, the majority of the associated vasectomy costs will be paid by your insurance. Your exact out-of-pocket cost will depend on your plan's:
- Co-payment - a flat fee paid at each doctor's visit (such as $25)
- Deductible - a fixed amount that you have to pay before your health insurance policy covers the costs of a visit or procedure
- Coinsurance - the percentage of the doctor's costs that you are required to pay (such as 20 percent).
In addition, vasectomies are often a qualified health savings account (HSA) expense. If your insurance plan won't pay for the procedure and you contribute to an HSA, you may be able to get reimbursed that way.
Are there ways to reduce the cost of a vasectomy?
If you don't have health insurance, the procedure can require a significant up-front payment. Some options can help make that more affordable, including:
- Discount for paying in cash - Making the payment in cash is the next best option if you don't have insurance coverage for vasectomy. Even if you create a special savings program in your household budget, it should not take long to put aside the total amount needed. A full cash payment in advance may earn a small discount.
- State assistance - Many states offer this to men who lack funds to pay for the procedure. Ask your doctor whether there are programs that may apply to you.
How does the cost of a vasectomy compare to that of tubal ligation?
The sterilization procedure for men is significantly less expensive than female sterilization, a procedure known as tubal ligation. Tubal ligation can be four to six times more costly, and is a longer, more invasive, and more complex procedure that requires general anesthesia and must be performed in a hospital or surgery center.
Reviewed December 14, 2012, by Marc Goldstein, MD - Urologist